Friday, August 19, 2011
posted by PabloPabla at 11:18 am

When shopping for the right car insurance policy, you need to be aware of several things. You need to be awa of auto insurance companies' policy for repairs. Some companies will let you have your pick of any legitimate repair shop to do repairs on your vehicle and then send them the bill. Some will pay these bills in full or only partially. Other companies will require you to get a quote of the price of repairs and have it approved before going ahead with repairs. Still others will only allow you to choose from a list of pre-approved repair shops to have your work done. You need to know what a company's policy is before you decide to do business with them, so you are not taken by surprise when the time comes to have work done.

You should also find out what your potential car insurance company's policy is regarding no claims discounts. These are applied after you go for a certain amount of time without filing a claim; you get a discount in your premium. You need to figure out if there is a cutoff date for when these discounts stoop. Also, find out what will happen if you do file a claim. Some companies will let you keep previously acquired discounts and continue to get them if other claims are not filed; other companies will not.

Something else to find out is whether or not your method of payment will affect your premium. Companies may give a discount for paying with cash or debit card. Check to see if your insurer will let you use your no-claims history from a previous insurer with them. Also, find out if there is a limit to how many years you are allowed to transfer. Find out well before you choose an insurer what their policy is on changes to, or cancellation of, your policy. There can often be fees and charges for such events. Finally, ask about any other potential discounts you may qualify for. You want to know about how much money you can save on your insurance. Choosing a car insurer is important and you should find out how you can save money and how much money you can save before choosing.